Category Archives: Advice

Week 15: Weekend!

  

So the Easter Weekend Holidays have just passed…. Hmmm this means you could be looking for inexpensive ways to spend this weekend!

Well, if we believe the weather reports, the weather in Europe at least is expected to be nice. For the worlds forecasts check The Weather Channel 

Ok, here is a did you know moment… because today is the first real warm day of the year, in The Netherlands they call it “Rokjes Dag” translated means Skirt Day… And you got it, I’m in a skirt with sandals. 

Anyways…. enough about fashion and back to our mission, what to do this Weekend! So with good weather comes many outdoor festivities and lots of them are Free!

Just to help your brainstorming, here are 10 general events/activities you can look out for:

1. Flowers or bird show exibits

2. Picking your own fruits and Vegetables at farms

3. Children Farms (to play with animals)

4. Beach sculpting exibits

5. Public parks open up facilities (have a picnic) 

6. Meetup clubs to have city tours

7. Different markets that offer diverse produce and products 

8. Neighborhood/Block activities (mainly for children)

9. Dating sites offer specials (Hey, have to also cater to singles!)

10. Try the free dance open days

Now really… No more complaining that this weekend there is nothing to do or everything is too expensive, especially after you mostlikely went all out for Easter!

So get out there and have a SpendLess Weekend!

Helping-Another-Discover-Financial-Independence

Week 15: This week… The type of Legacy we leave behind 

When I was younger I use to write poetry. Awhile back I started again, but just kept them in a box.

So this week, I will try something new and share a poem that deals with poverty.

      

 A legacy of Poverty… 

Can’t nobody be Rich… Wait No, can’t I be Rich?!?!

Sh*t the money and the problems seem to hit like a tidal wave… one minute I can pay bills, greet the morning with glee, oh but once again there comes Mr. Jackal to turn misfortune around on me!!!

How does he sneak back so quickly… Taking once again everything from me? Each time a little bit more than before!

I’ve never been in a poor house! They told me to work for the freedom to make choices that suit me.

… But what are the choices I keep stumbling over and over like a Jacka** refusing to walk another path.. Hitting the same stone, which gets exposed even more with every erosion of years gone by!

Foolish foolish, this has gone on way too long… But has it?

Maybe come a new year, just maybe this time I leave the path that keeps causing the pain… Do I dear leave all I have ever known to start all over again?

Amazing how I will erode my legacy, one that creates only poor lasting memories… My biggest fear, to be thrown in a hole and forgotten as no tombstone lies marking my existence… Not even to say, “She Lived, Struggled and Died!” 

My legacy to the next generation… Only a path that has kept Us POOR!

Written by: Edwina Delamore

Helping-Another-Discover-Financial-Independance 

Week 13: Weekend!

Today is the start of our weekend blog series. Every Friday till the end of October, I’ll post a Personal Finance Tip for the weekend and share a motivational picture… 

Hope you enjoy this series and please feel free to share any Personal Finance Tips for the weekend.

Here we go!

Personal Finance Tip for the weekend:

Go for a walk with no particular direction!

Spring has just started and this weekend ‘Day Light Savings Time’ goes into effect… So why not

just go walking in whichever direction looks the most interesting?Having some basic navigational skills, means you won’t get lost, and you can turn around or backtrack whenever you get bored or hit a dead end. 

Hmmmm… I must say this idea you’ll have to be a bit optimistic with, especially knowing we can’t control the weather. But all in all… It’s low cost activity!

Weekend Motivational Picture:

  

Have a “SpendLess” Weekend!

Helping-Another-Discover-Financial-Independence 

Can you ever save too much?

  

Picture courtesy of: Thinkupthemes

Saw this news heading on the internet of a local Dutch Newspaper ‘De Telegraaf‘, “Wie in de ogen van de belastingdienst te veel spaargeld heeft, moet flink betalen.” Translated: Who in the eyes of the Tax Man saves too much money, must pay dearly. 

Today, there are all soorts of advice being given about savings… From be wise with your saving and pay off your debts first, find ways of hiding it from the Tax Man, to no longer trusting banks… And the list goes on! 

But I have some questions:

  1. Why does the savings account have little value in today’s economy and/or society?
  2. Does it make sense to save for a rainy day any more?
  3. What is considered too much savings?
  4. Are we advising people to clear their debt, to only once again get back into debt due to the lack of savings?
  5. What is today’s definition of saving and is it only considered to be part of a short term Financial Strategy?

Hmmm… My apologies for getting carried away with questions, but when one discusses Personal Finance, Savings is one of the pilars of having a healthy financial out look. 

So now what and where do we go from here? Oeps… Here I go with more questions!

Maybe someone reading this, cares to share their view on the matter?

Helping-Another-Discover-Financial-Independence

Re-INVENT…. 

Yesterday I heard the word ‘Re-Invent‘ and it triggered a thought within me… 

Lets be honest; we live in an age where there is nothing much left, to really ‘Invent’! We’ve exhausted the fancy challenges, of thinking outside the box! But what if we stopped dreaming up ways to think outside the box?

  

Look, with Personal Finance there is nothing that will ever make it any more or less ‘sexy’… That is a given!  But why is it still so complex? The other day the Dutch National Institute, which advises the everyday man on how to go about their Personal Finances, was alarmed by the fact that people were still saving so much in The Netherlands, even though savings rates were far lower to rates of Personal Loans. Their sentiment was, people are now choosing to use their ‘Emotions’ instead of their ‘Understanding’! But aren’t we suppose to use emotions (intuition) to keep us alive?

The truth of the matter is… If we are now in the age of ‘Re-Inventing‘, then people are no longer looking for the fancy Out of the Box advice from the experts. Many have had, since 2008, to endure such complex Financial situations and therefore who can blame them for making Personal Finance decisions with emotions! 

As I started out by saying… I was triggered to wondered, could the word ‘Re-Invent’ also be interpreted by say, make things ‘SIMPLER‘! 

Re-Inventing (Simplifying) our lives can mean, if ‘Savings’ matches your objectives, gives confidence and brings comfort to you and your family, while paying off loans on a monthly basis … Vice versa for persons who want to pay off loans first and then save. Then do it! 

Advice is good, but ther are times to use your emotions and simplicity… Because at the end of the day, it’s ‘Your Re-Invention’!

  

Helping-Another-Discover-Financial-Independence

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